tag:blogger.com,1999:blog-82786798353342684122024-03-20T02:27:28.797-07:00Vahe HayrapetianWith over 18 of experience in the industry, Vahe Hayrapetian has been the go to source for top realtors and home buyers for the financial aspects of owning your dream home. Vahe and has team have been able to generate the best rates and most convenient process for home owners to own their home in every market. Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.comBlogger36125tag:blogger.com,1999:blog-8278679835334268412.post-20500206798712201142016-06-06T09:22:00.000-07:002016-06-06T09:22:08.620-07:00Increased Energy Efficiency Creates InterestUnique selling points help to stir up interest in a property and may speed up the sale. Ecologically friendly properties are becoming more and more inviting to realtors and home buyers. Current trends invite environmentally responsible consumers to look for their dream home in a wider range of locations.<br />
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When property owners install solar panels and energy-efficient appliances, these items become a huge selling point. Highlighting LEDs and energy saving bulbs or double-paned windows to reduce heating and cooling costs makes a property more appealing. These unique features help open up a dialog that works for both the realtor and the buyer.
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As energy efficiency needs increase, these selling points will create a higher demand. Buyers looking for a property that fits their personality in a style and design will want to keep energy costs down without sacrificing comfort. Realtors understand that these unique qualities are the key to creating demand and understanding the markets as they develop.<br />
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Understanding the key points to a property helps generate interest for realtors and buyers. Energy savings through new roofing systems and energy or water efficient homes and properties are becoming very important to families and communities. For more information and tips, contact <a href="https://www.facebook.com/VaheHayrapetianHomeLoans" target="_blank">Vahe Hayrapetian</a> and they’ll assist you in finding the best homes that feature these unique home advantages.
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<br />Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com4tag:blogger.com,1999:blog-8278679835334268412.post-20624802215430295532016-06-03T10:21:00.000-07:002016-06-03T10:21:05.321-07:00Vahe Hayrapetian: Helping Clients Find the Best Home Financing!Financing a new or existing home can certainly have its challenges, and as such, locating a secure lender can be a trying experience! However, Vahe Hayrapetian stands above as a true pioneer dedicated to the success of its clients. With a wide array of options on hand, Vahe Hayrapetian can "think outside the box" and assist in accommodating unusual home mortgage scenarios.<br />
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Customers who are self-employed, for example, may discover hardships in accruing traditional financing but may be readily financed by this firm. Vahe Hayrapetian is even more distinguished due to their California location, as markets in this region are notoriously expensive and difficult to reach mediation in some cases. Nevertheless, this group has consistently proven itself a strong force to be reckoned with, even in a turbulent marketplace.<br />
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Realtors and buyers alike can find assistance from the experienced personnel at this workplace, and the devoted staff stand ready to help settle and close on dream homes and growing business properties! <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> can also help in navigating the complex world of lending paperwork and background information as well. Clients cannot go wrong in choosing to work with this institution!
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<br />Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-38102210644084484972016-04-28T13:30:00.000-07:002016-04-28T13:30:01.996-07:00Getting to Know Home Mortgage Broker Vahe HayrepetianThis article concerns Glendale-based mortgage broker Vahe Hayrapetian.
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A mortgage broker is someone who can ease the problems often associated with purchasing a home. <a href="https://www.facebook.com/VaheHayrapetianHomeLoans" target="_blank">Vahe Hayrapetian</a> offers this type of service in Glendale, Calif.
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Since buying a home will almost certainly involve the hassle of obtaining a mortgage, a broker is the person who can get you into the home of your dreams efficiently and possibly at less expense. In his role as a broker, Hayrapetian can help buyers find the loans that are most suitable for them. This increases the options of the buyers, who may be limited in the loans to which they have access if they search on their own.
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Hayrapetian will find an array of loans and help the buyers compare the terms and the costs. He may even be able to waive the fees that often come with a mortgage loan, reducing the overall cost to the buyer.
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Hayrapetian has a long history in the financial industry, having worked as the sales manager for Skyline Home Loans in Glendale and, previously, for GMAC Mortgage and Bank of America. A humanitarian interest of his is helping poor Armenian children.
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Information for this account was obtained from <b><a href="https://storify.com/VahettrptenCA">https://storify.com/VahettrptenCA</a></b>.
Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com2tag:blogger.com,1999:blog-8278679835334268412.post-40020936739729894312016-04-26T10:30:00.000-07:002016-04-26T10:30:10.250-07:00Financing A Home: Experts Who Are Home Buyer MustsIt doesn't matter what type of home you are thinking of buying, the important thing to remember is to work with an agent who will aggressively track down financing options.
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<b>Retail Banks</b><br />
Recent market contraction has prompted banks to raise mortgage rates to cover purchase volume loss. The average rate now stands (but is not limited to) 4.49%. Banks generally build portfolios when lending, and have highly vetted consumer relationships.
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<b>Mortgage Banker </b><br />
These bankers originate home mortgages with their own funds. They retain the option to keep the mortgage in their portfolios, or sell to another financial institution. The advantage of using a mortgage banker is having an entire home package serviced by one lending entity.
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<b>Mortgage Broker</b><br />
These brokers are middlemen between home buyers and lending institutions. They faithfully take the wishes of a home buyers and find the best arrangements for all parties. Their services reveal many options some home buyers never consider.
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Working with an agent, like <a href="https://www.facebook.com/VaheHayrapetianHomeLoans" target="_blank">Vahe Hayrapetian</a>, who has decades of experience in facilitating home financing is the only way to navigate an uncertain real estate market. Buying a first home, or investment property becomes a truly wise only decision when an expert is on your side.
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjurAyf7ZyI9cAEaCh8O2K1Oz2Mv31ptVgh_hyAFauFiTtVnry3uFXGo53HPPuiiDx8JKhJjh2U0zzCN71-bZ28xqvPoguT1qqHq2Ez-FhInWBUC22SNpVkKsvsN2DtQGZY9r9y8Knlwhs/s1600/Financing+A+Home+Experts+Who+Are+Home+Buyer+Musts+-+BP+Image+2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjurAyf7ZyI9cAEaCh8O2K1Oz2Mv31ptVgh_hyAFauFiTtVnry3uFXGo53HPPuiiDx8JKhJjh2U0zzCN71-bZ28xqvPoguT1qqHq2Ez-FhInWBUC22SNpVkKsvsN2DtQGZY9r9y8Knlwhs/s320/Financing+A+Home+Experts+Who+Are+Home+Buyer+Musts+-+BP+Image+2.jpg" width="320" /></a></div>
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<b>Sources:
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<i><a href="https://www.auction.com/blog/financing-sources-for-real-estate-investors/#sthash.2zmdO6YM.dpbs" target="_blank">https://www.auction.com/blog/financing-sources-for-real-estate-investors/#sthash.2zmdO6YM.dpbs</a></i><br />
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file:///C:/Documents%20and%20Settings/user/My%20Documents/Downloads/McKinsey_Retail%20Banking%20Insights5_Growing%20Mortgage%20Sales%20in%20a%20Diminished%20Purchase%20Market_2014%20(1).pdf
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<i><a href="http://www.investopedia.com/terms/m/mortgagebanker.asp" target="_blank">http://www.investopedia.com/terms/m/mortgagebanker.asp</a></i><br />
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<i><a href="http://www.thetruthaboutmortgage.com/what-is-a-mortgage-broker/s" target="_blank">http://www.thetruthaboutmortgage.com/what-is-a-mortgage-broker/s</a></i>Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-87286947060014385832016-02-26T10:30:00.000-08:002016-02-26T10:30:17.350-08:00Spring Interest rates at a low and new home purchases!This spring will bring new and exciting ventures to the real estate market. Mortgage interest rates are at a low! If you're in the market to purchase a single family home, or investment property, now is the time! A 30 year Fixed Rate Mortgage is 3.5%, so you'll get more for your money. What's more attractive than a lower mortgage rate? A 15 year fixed rate mortgage at 2.95%! Have you ever heard the term "it's a buyers market"? Now, is the time to purchase your next home or investment property. Staying on top of interest rate trends is a key for home buyers and Realtors. Purchasing a new home is a commitment that must be made with deliberation and confidence in the company and market.
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These interest rates won't last forever, so start shopping for a home today. For more information on how you can take advantage of this opportunity, <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> can help. It would be best to check out our <a href="https://www.facebook.com/vahe.hayrapetian" target="_blank">Facebook page</a> or visit our website: <a href="http://vahehayrapetian.com/">VaheHayrapetian.com</a>.
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<br />Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-86663897207252777362016-02-10T10:30:00.000-08:002016-02-10T10:30:12.207-08:00California Real Estate is Getting Hot Once AgainAfter nearly a decade of decline, the housing market across California is finally beginning to sizzle once again. Credit options are becoming more readily available and accessible, and prospective homebuyers and sellers are starting to connect once again. The housing market is not something to navigate alone, however, so you need the services of a highly qualified professional that can service the needs of realtors and homebuyers alike.
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<a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrepetian</a> should be your primary source for a home loan. Financing options are plentiful today, but to get the best deal requires a bit of foresight and knowledge. <a href="http://vahehayrapetian.com/" target="_blank">Vahe</a> has nearly two decades of experience in this area, and his mission is to find the best financing options available for each individual homebuyer and realtor that comes his way.
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California is ripe for real estate action. With millions of homes currently on the market, you will want a professional on your side working to get the best possible financing so that you can get into the home of your dreams. With interest rates slated to gradually begin increasing throughout 2016, there is perhaps no time better than now to pursue a new home purchase in earnest.
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For more information on how Vahe Hayrapetian can help you, please visit our website at <a href="http://vahehayrapetian.com/">http://vahehayrapetian.com/</a> or call us at 818-964-1788.
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Source: http://www.car.org/marketdata/marketforecast/
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<br />Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-608055184508358072016-02-05T11:30:00.000-08:002016-02-05T11:30:12.974-08:00Buying Foreclosed Homes: Factors to Keep in Mind as You PlanForeclosed homes are residential properties that have been seized by banks and then offered to buyers so as to recoup the initial investment made on the home. In most cases, such properties are priced lower to compensate for any renovations you may have to bear.
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<b>Plan for Some Repairs
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Always anticipate some amount of necessary repair. Familiarize yourself with the general costs repair works like painting and replacing windows. Once you get an estimate of repair cost, add that to the asking price for the home, and see whether it still falls within your budget.
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<b>Base Costs Estimates on Professionals’ Figures
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Never base your repairs budget on DIY estimates. Use figures prepared by professionals instead. With this approach, when the repair time comes and you feel like doing the work on your own, you will end up having some money to spare.
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<b>Always Get Legal Representation
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It could cost you dearly to sign a purchase contract without understanding fully what it could mean in the long term for you. Getting a reputable real estate lawyer can help you in terms of understanding better the terms of property sale.
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For home buyers and realtors alike, <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> can help you. For more information on what we do, please visit our website at <a href="http://vahehayrapetian.com/">VaheHayrapetian.com</a> or call us at 818-964-1788.
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<b>Sources:
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http://www.streetarticles.com/green-real-estate/vahe-hayrapetians-tips-for-first-time-buyers-on-purchasing-foreclosed-homes
https://storify.com/mom75supply/tips-of-the-commerce-for-anyone-wanting-to-buy-a-h
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<br />Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com1tag:blogger.com,1999:blog-8278679835334268412.post-11978948128750069062016-01-22T10:00:00.000-08:002016-02-01T07:43:15.787-08:00Vahe Hayrapetian, Home Loan ExpertIf you are looking for a home, then you know how hard it can be to get a loan from a bank. Ever since the 2008 financial crisis, many banks have become reluctant to make reasonable mortgage offers to people who deserve them. The result is that many families trying to get homes of their own are unable to do so due to a lack of financing.
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmR5c66RoCWhPTNIihrfQzbDaveziDnHEOPMxOUDeO2ELx3sv7n4wePrt4BmeeDnXKR1QlXUYD3BFb6KMVDfc76Q34aCyZetbpSYqg6x_oAhWuQASaMOYXcEW8ZYIv3KrZDpFuQVDkoWI/s1600/BP4_1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmR5c66RoCWhPTNIihrfQzbDaveziDnHEOPMxOUDeO2ELx3sv7n4wePrt4BmeeDnXKR1QlXUYD3BFb6KMVDfc76Q34aCyZetbpSYqg6x_oAhWuQASaMOYXcEW8ZYIv3KrZDpFuQVDkoWI/s320/BP4_1.jpg" width="320" /></a></div>
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That is where <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> comes in. Vahe runs a real estate company that provides loans to homeowners who are dissatisfied with their treatment from the big banks. Vahe has been in the real estate business for nearly two decades, so his experience helps you secure the best loan possible. He specializes in helping families get into their dream homes with loan rates that they never thought they could qualify for based on their finances.
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9fn589RPnH9LVnBslcLcozCD9xCHE0OXTOMJZnVa_izAwhVicdUGYvEAg1srokqswh_VEt-1_FXph_0tH-HG0mv7Dk_WMMMLUVWYdVsgXhgM7bp4D6NcToP1cjVW_7BKFTHwf5OIZNuo/s1600/BP4_2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="190" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9fn589RPnH9LVnBslcLcozCD9xCHE0OXTOMJZnVa_izAwhVicdUGYvEAg1srokqswh_VEt-1_FXph_0tH-HG0mv7Dk_WMMMLUVWYdVsgXhgM7bp4D6NcToP1cjVW_7BKFTHwf5OIZNuo/s320/BP4_2.jpg" width="320" /></a></div>
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Vahe's company also provides realtor services, so they can help you find that house you have been looking for as well as purchase it.
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<br />Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-54260930833465997332016-01-19T10:30:00.000-08:002016-01-19T10:30:19.925-08:00The Importance of a Good RealtorEveryone knows that if you are hunting for a home, you need to come up with a budget, decide on the important characteristics that matter most to you, and agree on what sacrifices you need to make in order to get a house that fits the bill. However, it's not common knowledge that a realtor can be extremely helpful during this process.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_iEcvIQE0l-0XqIc0Nm9gU-Uj7RzyhbxE88uOye8EuTe0So3Lp8TjuGPnMu07PvJtXY9b9gyWWmXkKrYicp3TtOtNxSSXlHWETcE1gh3FM6i9s1lLGM4GHrv-Y9VRSG5fCX_Dge1Yc6w/s1600/BP3_1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_iEcvIQE0l-0XqIc0Nm9gU-Uj7RzyhbxE88uOye8EuTe0So3Lp8TjuGPnMu07PvJtXY9b9gyWWmXkKrYicp3TtOtNxSSXlHWETcE1gh3FM6i9s1lLGM4GHrv-Y9VRSG5fCX_Dge1Yc6w/s320/BP3_1.jpg" width="320" /></a></div>
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Realtors are not just people with a list of houses to sell. They understand exactly what buyers like you are looking for due to their experience and training. Their intimate knowledge of the housing market means they know right away if there is one or more suitable homes in their area. That means they can significantly reduce the amount of time it takes to find the right house and even dig up houses you never would have found on your own.
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIG-MCGgbshs7WZJMgZXPcOxhDP7owzUNMMXR-pkGQd78KyhvlbDGCdsOXKehOePtgE2nBBDRd1cP2tOj8N5K6ZMHRMCW13CqJg1ED2pYjs23RA9-saPqrlORzYvUX_y-D_s5hLhiCwbA/s1600/BP3_2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="224" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIG-MCGgbshs7WZJMgZXPcOxhDP7owzUNMMXR-pkGQd78KyhvlbDGCdsOXKehOePtgE2nBBDRd1cP2tOj8N5K6ZMHRMCW13CqJg1ED2pYjs23RA9-saPqrlORzYvUX_y-D_s5hLhiCwbA/s320/BP3_2.jpg" width="320" /></a></div>
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<a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> runs a company that provides realtor services, and he personally has 18 years of experience in the industry. That makes him an expert in the California housing market.
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<br />Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-50360588363768476332015-12-25T13:07:00.000-08:002015-12-25T13:07:07.385-08:00Vahe Hayrapetian: Politics and Interest Rates.<b>How Do Politics Effect Interest Rates?<br /></b><br />
In the perfect capitalistic world, interest rates would be set by objective, disinterested parties. Realistically, politicians can influence the interest rates for property loans in many ways.<br />
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<b>Federal Reserve Monetary Policy</b><br />
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The United States Federal Reserve (Fed) is an organization of high-level bankers who effectively run American monetary policy. By determining the interest rates that banks can charge one another, the Fed can effectively control interest rates.<br />
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<b>United States Congressional Policies</b><br />
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In the 1990s, the United States Federal Government established public policy to improve the home ownership rates in the nation. Freddie Mac and Fannie Mae, as pseudo-government organizations, have been effective in offering cheaper loans to attract buyers.<br />
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<b>Changes in Leadership</b><br />
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New administrations will usually want to establish their own unique characteristics for the real estate market. After elections, interest rates may be adjusted in order to encourage or discourage more property buying activity.<br />
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Politicians might also try to hide their future policy decisions to prevent speculators from profiting. Politics can influence interest rates, but the market still drives property prices. Discover how experienced California Realtor <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> can help you anticipate and prepare for interest rate changes due to politics.<br />
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Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-27277711770273065772015-12-23T13:03:00.000-08:002015-12-23T13:03:05.141-08:00Vahe Hayrapetian: What is ZIRP?<b>What is ZIRP & Why Does it Matter?<br /></b><br />
The Zero Interest Rate Policy (ZIRP) has been established by the United States Federal Reserve (Fed) to provide cheap capital to increase productivity and economic activity. This has been the Fed's policy since 2008.<br />
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<b>Capital is Primary Productivity Input</b><br />
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As a primary input for productivity, capital can determine how successful businesses and consumers can be. Cheap money allows people to take out more loans to purchase things that they want to enjoy today with promises of repaying the loans tomorrow.<br />
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<b>UK Calls 2008 the "Credit Crunch"</b><br />
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In 2008, global financial markets saw a serious risk of shutting down due to the collapse of Bear Stearns and Lehman Brothers. These powerful financial firms had gone bankrupt and many banks were afraid of their exposure therefrom. The United Kingdom called 2008, the "Credit Crunch."<br />
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<b>Ample Capital Increases Home Sales</b><br />
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One of the primary engines of US housing market appreciation has been cheap capital. Lower interest rates and increased loan options, such as the Adjustable Rate Mortgage (ARM), have enabled individuals to purchase and remodel their homes.<br />
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If you are interested in buying or selling a home, then contact the experienced <a href="http://vahehayrapetian.com/" target="_blank">California Realtor Vahe Hayrapetian.</a><br />
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Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-17141569573830307302015-12-21T10:55:00.000-08:002015-12-21T10:55:04.012-08:00Why Vahe Hayrapetian?With over 18 years of experience, Vahe Hayrapetian, based in California has consistently delivered the best results when it comes to funding the purchase of a new home and giving advice to buyers how to get a mortgage. Loan originators like Vahe Hayrapetian remind people that while credit scores are important determinants for your financing options, there are loan options which can offer you a good loan amount despite less-than-stellar credit scores.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjbnA1RvmJEP2Iq9yK0ltXzg4ZwGwtIAPgOEPmrEzlsBzFkBdfbD3zyQzIKhTuxju3d2O_iJsyDiM6yedS8Yt5bMsQ9CeCMbWKYaatMtXEK6UCZry1Y9P0wa666_6ogUmYpxMlIwNRE7Co/s1600/bigstock-Mature-couple-signing-contract-86877923.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjbnA1RvmJEP2Iq9yK0ltXzg4ZwGwtIAPgOEPmrEzlsBzFkBdfbD3zyQzIKhTuxju3d2O_iJsyDiM6yedS8Yt5bMsQ9CeCMbWKYaatMtXEK6UCZry1Y9P0wa666_6ogUmYpxMlIwNRE7Co/s320/bigstock-Mature-couple-signing-contract-86877923.jpg" width="320" /></a></div>
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Financing expert <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> highlights several advantages of buying a condo instead of a house. The first advantage is the reduced maintenance. In a condo setup, the homeowner’s association (HOA) takes care of the maintenance of common areas. Next are the bundled benefits from the HOA. Commonly inclusions in these packages are security, trash removal, and water.<br />
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Another advantage is lower insurance costs. Basically, residents own less property with a condo. The HOA also has its own insurance policies. As a result, overall premiums are lower.<br />
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Most importantly, property taxes are lower. In general, a condo has a lower price compared to a single-family house. Since property taxes are directly proportional to the property’s value, taxes for a condo would also be lower. In the long run, this means significant savings for a condo owner.<br />
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For more information on home loans and mortgage, go to - http://vahehayrapetian.com/<br />
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Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-16746646484347466552015-12-18T08:40:00.000-08:002015-12-18T08:40:04.840-08:00Vahe Hayrapetian: Expert Tips to Get Your Mortgage Loan Approved<a href="https://www.facebook.com/public/Vahe-Hayrapetian" target="_blank">Vahe Hayrapetian</a> is a loan originator in home financing with over 18 years of experience. He has worked in the home loans divisions of several leading institutions, including Bank of America, GMAC Mortgage, and more.<br />
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Mortgage lending specialists like Vahe Hayrapetian offer these expert tips on boosting your chances of landing the most favorable loan terms. He and his team are known in the community in helping potential homeowners getting the best rates.<br />
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Evaluate Your Financial Status<br />
Buyers should first evaluate their financial status before even considering a loan. This will give you enough time to save money and get qualified for a loan and a down-payment. Another thing lenders look is your employment status when it comes to getting approved. Lenders look at a buyer’s income to be one indicator that the loan will be paid in full.<br />
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Loan Options<br />
Loan originators like <a href="https://vahehayrapetianhomeloans.wordpress.com/2015/08/26/are-you-ready-to-own-a-home-vahe-hayrapetian-can-help-you-find-out/" target="_blank">Vahe Hayrapetian</a> remind people that while credit scores are important determinants for your financing options, there are loan options which can offer you a good loan amount despite less-than-stellar credit scores. Vahe being a home mortgage expert, shares how aspiring homeowners can use their credit cards to improve their ratings.<br />
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Call now to start your consultation on mortgage pre-approval. http://vahehayrapetian.com/
Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com2tag:blogger.com,1999:blog-8278679835334268412.post-26216020577200006022015-12-17T10:51:00.000-08:002015-12-17T10:51:05.839-08:00Vahe Hayrapetian Works With Home Loans And Realtor Services <div class="separator" style="clear: both; text-align: center;">
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<a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> works in the Burbank California area as a real estate broker and lender. He can also be of help if you want to refinance your home or get a loan on equity left on your home. He is rated with five stars from his previous clients and is serious about his business and his clients. He is concerned about all parts of your business deal and is very quick to respond to all your emails, phone calls, and texts and is very knowledgeable in what he does. He can answer any questions you may have and explain any part of your dealings at any point and because of that, he is highly recommended by real estate agents that have used him for the past ten years. He stands by anything that he tells you honestly and can be depended on for top of the line service by him and his staff. He has previously worked as Sales Manager for Skyline Home Loans in Glendale, California and handles home loans, selling and buying of homes, and is a broker in the real estate market.<br />
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He has been encouraged by how much better the economy has gotten and how the home buying and selling market has increased, everyone involved in the real estate market is benefiting from our improving economy. He has eighteen years of experience in financial services, home loans, and refinancing of your home. He is also rated as one of the best home brokers in California.<br />
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Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-9701676637999537382015-09-23T09:01:00.000-07:002015-09-23T09:01:00.199-07:00Selecting the Right Loan Product There are plenty of loan options available in the market today, and selecting the right home loan for you is quite critical. Amidst the vast selection home loan options, choosing the right loan product has an immense impact on your financial future. This can be perplexing for most consumers because real estate, no matter how we try to simplify the case, is a still a complicated matter. Talking to a mortgage expert like <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> can help the consumers decide on which property they should buy — considering a list factors that are essential in making the decision.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtebjsRddXtquqhSEbeoiuCM8Rc2LUJP8NAPTwF56ich9scPDI7S3JDJZTs8vDM4vWAK_1EHs7QK5IovMFcTAzmTlMnCiEX9QwN5yebI_ING2hR1gNcpl54LKCkjP1b5YkldNSqptfC1A/s1600/bigstock-Home-Plans-183835.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtebjsRddXtquqhSEbeoiuCM8Rc2LUJP8NAPTwF56ich9scPDI7S3JDJZTs8vDM4vWAK_1EHs7QK5IovMFcTAzmTlMnCiEX9QwN5yebI_ING2hR1gNcpl54LKCkjP1b5YkldNSqptfC1A/s320/bigstock-Home-Plans-183835.jpg" width="320" /></a></div>
Here are some tips to guide you on your home loan probe.<br />
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<li>Talk to a reliable broker. Consulting a several brokers can lead you to your future home in no time. They can introduce you loan programs for different niches. These niches pertain to your financial situation. Find a broken that can offer the best loan programs suited to your unique financial condition. </li>
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<ul>
<li>Identify the terms before comparing the rates. This refers to the length of loans – 30 year, 40 year, 50 year and interest only loan. The interest only loan is the one which you never have to pay off, but you have to make the monthly interest payments. The second one is the length of rate. According to experts, the safest loan is the 30-year fixed rate mortgage. You should also study the pre-payment penalty which is considered important in the home loan process.</li>
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<ul>
<li>Shop the rates and closing costs. After identifying the terms, the next step is to hire one mortgage broker that can pull a tri-merge credit report and ask for a copy of it. Have a copy of necessary files (credit report, bank statements, and tax returns) when you visit your mortgage broker and consult with them about the terms you exactly want for the loan. Your broker must provide a Good Faith Estimate (GFE) as well, so ask. </li>
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<ul>
<li>Compare apples to apples. Seek the assistance of your broker in distinguishing which loan you should opt for. Always remember that practicality should matter after all. Compare your GFE’s total monthly payment and choose the lowest. The same case goes with GFE’s closing costs. However, be advised that some mortgage brokers will underestimate these costs to make their GFE more attractive but will explain them away at closing. This gets complicated, which is why you need to hire a reliable broker that will clearly illustrate the home ownership process step-by-step. </li>
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<ul>
<li>Lock your rate. Rates do fluctuate from time to time, so locking your rate is necessary. If you fail to do so within 30-45 days before closing, your lender might penalize your rate. </li>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHViXFtW5g4lJ14xq0n7HApxkfN8RMlnuaLGwzbvfItXa7JEwB1cUHs0nOHw4BU7or9YD8MuJioy7eRJ2Gx4z6hkLrgGsq8q3KkORkotL8UkyCRZ37Eu_rvUS3bmE7Z4UwxTKChWWQK6s/s1600/bigstock-Magnifying-glass-over-real-est-18940109.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="255" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHViXFtW5g4lJ14xq0n7HApxkfN8RMlnuaLGwzbvfItXa7JEwB1cUHs0nOHw4BU7or9YD8MuJioy7eRJ2Gx4z6hkLrgGsq8q3KkORkotL8UkyCRZ37Eu_rvUS3bmE7Z4UwxTKChWWQK6s/s320/bigstock-Magnifying-glass-over-real-est-18940109.jpg" width="320" /></a></div>
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The decision to purchase a home can be kind of intimidating and is very complicated, but knowing the process and doing it in a systematic way can free you from hassle of unfavorable circumstances in having your dream property. http://vahehayrapetian.com/
Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-14161079971179456012015-09-18T08:57:00.000-07:002015-09-18T08:57:00.809-07:00Find the Dream Home You Can Afford It is heartbreaking to learn that you can’t have the property you’ve been eyeing for so long just because of financial restraints. As much as we want to settle in a place we can call home, we have to accept that maybe some things we want in life are not meant for us—or do we? There are many options you can consider in purchasing a new home for you and your family.
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtf2pfi8UeavGkrzSnmjjtqnqxEInxCBF1DSnzYWY68a8tgrNZJ-orpfPb19BTuH5HYDTrBcXE_peHGLujtuX-Ge9cICc1oBJvp8NAZzqyb28XZK4OMheBV_05wPK1xGhDxnZnOmPLTuI/s1600/bigstock-Couple-shaking-hand-to-real-es-17010104.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtf2pfi8UeavGkrzSnmjjtqnqxEInxCBF1DSnzYWY68a8tgrNZJ-orpfPb19BTuH5HYDTrBcXE_peHGLujtuX-Ge9cICc1oBJvp8NAZzqyb28XZK4OMheBV_05wPK1xGhDxnZnOmPLTuI/s320/bigstock-Couple-shaking-hand-to-real-es-17010104.jpg" width="320" /></a></div>
<h2>
The Home Loan Originator’s Role</h2>
<a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a>, an experienced professional home loan originator, can help first-time home buyers distinguish the essential factors to consider before in their search for prospects. There are surely many available properties that suit your lifestyle and your ideal residence. The tough question is, are they pocket-friendly? It is more practical to know your financial capacity first before roaming around to look for the perfect haven.
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Why Pre-approval is Recommended</h2>
Securing a home loan is harder than you might think. That’s why most loan advisers recommend loan pre-approval to ensure smooth financial management during property purchase. Aside from that, there are other benefits we can obtain from opting for pre-approval loans.<br />
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First is limited search, which narrows your home search based on your financial situation. It saves you and your real estate agent the time and effort for visiting properties you cannot buy anyway.
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Second, it can lead to a faster transaction. As soon as you have figured out your allotted budget for buying a home, you can now establish an offer for the house that you like. This can shorten the entire process and you can immediately move to your new home.<br />
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However, before you can enjoy these benefits, you have to find an expert like Vahe Hayrapetian who can assist you in every phase of the home buying process. Vahe and his team will help you find the perfect lender who has a wide variety of loan options well-fitted to your financial stability. Call now to start your consultation on mortgage pre-approval. http://vahehayrapetian.com/
Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-52376022933455461172015-09-14T09:10:00.000-07:002015-09-14T09:10:00.822-07:00Vahe Gives Back With all the successes he has achieved in his professional life, <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> decided to put his good fortune to good use by giving back to others. By being fully involved in the Armenian community and the “Focus on Children Now” organization, Vahe and his team aspire to live by their group motto, “Breaking the poverty cycle, one child at a time.”
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjX4O6M36xRflOkPCpP1j73eO9HLFlwxa5RgTfon8j5fVdTtkvLA0t7Gh-tvh2-PvInUlSdbOYIkpfxGnYXtYWiStgIhtXvtN65WOZ4e9nQGOdkOuNxPDxrKLaPrWirve91jmHCX84hPSE/s1600/bigstock-Time-to-give-charity-giving-fi-21902837.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="228" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjX4O6M36xRflOkPCpP1j73eO9HLFlwxa5RgTfon8j5fVdTtkvLA0t7Gh-tvh2-PvInUlSdbOYIkpfxGnYXtYWiStgIhtXvtN65WOZ4e9nQGOdkOuNxPDxrKLaPrWirve91jmHCX84hPSE/s320/bigstock-Time-to-give-charity-giving-fi-21902837.jpg" width="320" /></a></div>
<h2>
Focus on Children Now’s Educational Program </h2>
The program aims to focus on the educational needs of children. The group’s target is to bring technology-based programs to disadvantaged students to improve the quality of their learning experience. Vahe Hayrapetian is so proud to support this movement and hopes to move forward in improving the program.
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<h2>
Focus on Children Now’s Nutrition Program </h2>
In this project, the organization provides complete meals for students in the program. So far, the program has already provided meals to over 750 kids enrolled in Kindergarten through 12th grade, as well as those involved in after school activities. Thankfully, the program has had a positive impact on children in need. After several months of execution, school officials are very happy to report that students’ attendance rates are escalating, their grades are getting better and the kids are happy and contributing more to the school community.<br />
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Vahe Hayrapetian is an active philanthropist and has deep compassion for helping those in need through the Focus on Children Now organization. He encourages everyone to take the time and effort to help the needy. Trust us, they’re worth it.
Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-90624739936134619442015-09-04T09:08:00.000-07:002015-09-04T09:08:00.387-07:00Purchasing Your First Home? Learn the Best Tips from Vahe Hayrapetian Buying property for the first time can be quite overwhelming. Unfortunately, buying a property does not just mean browsing pretty houses on the internet and paying for it. There are a lot of factors to consider in purchasing a home for the first time, and your trusted home financing agent <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> is more than willing to help by giving you these valuable pieces of advice.
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<h2>
Stick to a Budget </h2>
Sticking to a certain budget might seem discouraging, but it makes the process easier for you as the budget limits your options. The budget would also make you think about what kind of home you really need. If you’re a newly married couple, you probably don’t need a seven-bedroom home right away. If you’re unsure of how to go about the home-buying process, consult with a financial service professional to help you take an analytical look at your finances.
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<h2>
Attend a Seminar </h2>
Many real estate and mortgage experts provide free seminars for first-time home buyers. Take advantage of these lectures, take notes carefully and use these free resources to build your knowledge base. Every development in the real estate market can impact your purchase, so it’s best to be informed.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRvBr2WViEeGZzW4_TlxGnin_9mpE4VPlLqTn5fYL11TrsI_vjELag-vexsnuh726CMZqr8IpTnoRBMd2lm5COjyz4X6-kUHk2UK5zudEU-tOkE8YQLDk8Gue4uPPNe0ihokpIDSs0JcQ/s1600/bigstock-Approved-Mortgage-loan-applica-37410598.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRvBr2WViEeGZzW4_TlxGnin_9mpE4VPlLqTn5fYL11TrsI_vjELag-vexsnuh726CMZqr8IpTnoRBMd2lm5COjyz4X6-kUHk2UK5zudEU-tOkE8YQLDk8Gue4uPPNe0ihokpIDSs0JcQ/s320/bigstock-Approved-Mortgage-loan-applica-37410598.jpg" width="320" /></a></div>
<h2>
Understand Mortgage Options </h2>
Most of us are not blessed with a big enough budget to be able to purchase a home with cash, and as a solution, a mortgage needs to be obtained. A mortgage is a type of loan that uses the property as collateral to the bank lending the financial assistance. It’s advisable to sit down and figure out your goals as a homeowner. Weigh your options carefully, and most importantly, speak with several lenders before making a final decision about your mortgage.<br />
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We wish you all the best! Hope we helped! For more information, visit <a href="http://vahehayrapetian.com/">http://vahehayrapetian.com</a>.Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-77755886806764656272015-08-20T10:00:00.000-07:002015-08-20T10:00:05.581-07:00Getting Your Dream Home: Common Home LoansTaking that decisive step towards owning a home for yourself and your family is a big deal, and Vahe Hayrapetian understands that it can be discouraging to face the sheer number of options available to a first-time home buyer. How can you be sure if you’re getting the most for your budget? Choosing the right loan type can mean the difference between enjoying your home to the fullest and constantly struggling with payments. Let’s start with the most common home loans you can benefit from:
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<h2>
Fixed Rate Mortgage</h2>
When you avail of a fixed rate mortgage, you will be given a consistent interest rate for the duration of the loan. Fixed rate mortgages present the advantage of knowing exactly how much each payment will be, regardless of market shifts. Because of the consistency, this mortgage option tends to have more expensive rates compared to the others.<br />
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<h2>
Adjustable Rate Mortgage</h2>
On the other hand, adjustable rate mortgages are usually less expensive in the outset. However, there is a fair amount of risk involved. Adjustable rate mortgages have interest rates based on existing market conditions. This means that shifts in the economy can cause the payments to grow.
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<h2>
Hybrid Home Loans</h2>
The hybrid home loan is a compromise between the other two types. The interest will be fixed for a pre-determined time period, usually up to seven years. After which, the lender can make adjustments to the rate depending on existing market conditions. This loan type allows the homeowner to establish themselves financially before taking on the added expense.<br />
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Obtaining a loan for your new home is a big decision, and you should take all the time you need to choose the right one that will fit your lifestyle and capabilities. <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> is always ready to lend a hand.
Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-23178805021310102442015-08-15T10:00:00.000-07:002015-08-15T10:00:03.328-07:00Vahe Hayrapetian on Weighing Home Financing Options When looking to buy something, most people look at the price first and then try to haggle down. The idea is simple: get the most bang for your buck by minimizing the bucks you have to shell out. However, what they usually don’t consider is the other side of the equation. How much bang does each choice produce? In other words, what’s the value?
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<h2>
Housing Options are Easier to Grasp than Loan Options</h2>
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In the case of home buying, people can easily see the value in the houses they choose from (in terms of amenities, proximity to urban centers, accessibility, and so on), but seeing the value in different financing options can be harder. Inexperienced and financially challenged home seekers may tend to go for the cheapest home financing option right off the bat, without regard for the actual terms of the loan. The only question is “can I afford it”? Fortunately, experts like Vahe Hayrapetian are available to guide them.
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<h2>
A Classic Tradeoff: Adjustable vs. Fixed-Rate Mortgages</h2>
One example of a choice that people may struggle with is picking between an adjustable and a fixed-rate mortgage. An adjustable-rate mortgage generally starts out with a low interest rate; the interest rate may then increase or decrease, depending on conditions in the housing market. On the other hand, fixed-rate mortgages have a higher interest rate than adjustable-rate mortgages usually, but since the rate is fixed, the payor is insulated from any market effects.<br />
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Adjustable versus fixed-rate is just one decision that homebuyers have to contend with when considering financing options. With the number of competing financial institutions out there, along with their attempts to differentiate themselves from the competition and the complex terms and jargon they tend to use, it’s hardly surprising that people get confused and go back to the most basic criterion they can understand, which is “which has the lowest interest rate?” That is why experienced loan consultants like <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> are invaluable when making a decision on which loan option to choose.
Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-38968432470959928792015-08-11T10:00:00.000-07:002015-08-11T10:00:01.192-07:00Real Estate Agent PerksFinally making that leap to get your new home? One of the most common pieces of advice you’ll be offered is to consult a real estate agent—and you’ll do really well to take it! A good real estate agent such as Vahe Hayrapetian can reduce the hassle of house-hunting greatly for first-time home buyers.
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Save time</h2>
Depend on your real estate agent to cull the wheat from the chaff. You won’t need to go through listings that are questionable or too expensive. Most of the time, so much of a home buyer's time is wasted going from site to site only to end up disappointed. Sometimes a property is simply beyond your budget or the area doesn’t suit your lifestyle. Of course, it’s also necessary for you to be as detailed as possible when discussing your needs. The clearer the picture you give to your agent, the more effective they will be in securing the right home for you.<br />
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Make projections</h2>
A good real estate agent will also advise you on how a particular property will fare in the market. As much as we all dream of a home that will stay in the family for generations, the reality of the property market is that concerns like the sustainability of your house’s value is a major consideration.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjS2jAkyPR2hCU_fHuX-PIAW8yLDpO4z8EOBppOVLj7kvekT-u-Z08FOqWkOvBmRRQ67PnoJbVzmPPRFEpjZ3Pofsz2vOQNn_gF3YtD8tqyT5trskoQl_L7bwSQv0rvXhogYwtryujDBVo/s1600/bigstock-Mobile-finance-and-statistics--46835572.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="264" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjS2jAkyPR2hCU_fHuX-PIAW8yLDpO4z8EOBppOVLj7kvekT-u-Z08FOqWkOvBmRRQ67PnoJbVzmPPRFEpjZ3Pofsz2vOQNn_gF3YtD8tqyT5trskoQl_L7bwSQv0rvXhogYwtryujDBVo/s320/bigstock-Mobile-finance-and-statistics--46835572.jpg" width="320" /></a></div>
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Maximize value</h2>
Lastly, your real estate agent is expected to get you the best deal possible. With a combination of connections and knowledge of the trade’s finer details, your agent can potentially chop off thousands of dollars from the asking price. Take the time and seriously consider getting a capable real estate agent like <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> as the first step towards owning a home you’ll treasure.
Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-20707939600038504192015-08-07T10:00:00.000-07:002015-08-07T10:00:00.967-07:00Playing the Long Game Most people who consider buying a home are in their twenties or thirties. Maybe they’re still relatively young adults, just starting a marriage and putting down their roots. Or maybe they’re not so young, but just initiating the fission reaction that would start their own nuclear family. Whatever the case, financial experts like Vahe Hayrapetian say that not enough people consider the long term in choosing a home. Here are some long-term considerations that must be made when buying a home.
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Will You Need Extra Space?</h2>
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A house is a place to stay in for years at a time. If you’re planning to start a family, consider how many people your family will have over the time you’ll stay there. How many children do you have? Do you plan to have any more? What if you’re blessed with twins? With your lifestyle, do you imagine inviting other people over for dinner, for a few days, a week, or more? Think about these things when you are choosing a home.
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Do You Consider Aging in Place? </h2>
Another consideration is whether you’ll grow old in your home. If you have no desire to leave your domicile in your senior years, you’ll want to think about having a home that’s built for your future. You’ll probably want wide spaces and hallways, stairs with sturdy railings, and other facilities that will be helpful to those who are past their prime. If you can’t find such a home but aging in place is a priority for you, then consider a home that can be renovated accordingly with minimal effort.
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How about Your Long-term Wealth and Income? </h2>
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Home buyers should also consider their income and wealth over time. Do they project their careers to take them on a trajectory with steadily increasing income and wealth? Or is there some risk of hiccups, emergencies, or interruptions in their money inflows or possibility of erosion of their wealth? If there is any risk, consider estimating how great that risk is and how that will impact your ability to afford mortgage payments, renovations, maintenance expenses, and so on.<br />
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Even with the aforementioned factors identified, the road of life is littered with many uncertainties, and trying to make a proper decision may be overwhelming for the average home seeker. Given that, it’s a good idea to contract the services of an expert. For the financial side of things, a reliable loan consultant like <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> can assist you in making a sound financial decision, finding the best mortgage option based on your financial capability and your risk appetite.
Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-70148363306631856472015-07-30T06:49:00.000-07:002015-07-30T06:49:00.287-07:00Vahe Hayrapetian Advises on Things to Do when Applying for MortgageIt’s easy to be overwhelmed about the information made available about buying a house, most especially on applying for a mortgage. In fact, over 76 percent of first-time homebuyers feel overwhelmed by the enormous amount of information that they comes across when applying for a mortgage and buying a home.<br />
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As helpful as all that information will be, nothing beats talking to mortgage brokers like <a href="http://www.spokeo.com/Vahe-Hayrapetian" target="_blank">Vahe Hayrapetian</a>. With his years of experience, he can help you understand everything you need to know about getting your mortgage application approved through these simple steps:
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Have a Consistent Income</h2>
You’ll need to show proof that you’re receiving consistent income for at least the past 12 months, and even 24 months, if you can. Aim for a total debt-to-income ratio of less than 35 percent and avoid frequently switching jobs within one year when applying for a mortgage.
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Take Care of your Credit</h2>
To achieve a debt-to-income ratio of less than 35 percent, start relying less on your credit card and don't apply for a new credit during the time you’re applying for a mortgage. Lenders will usually pull a credit update within ten days of closing the loan to confirm that you are indeed spending your money as you say you are.<br />
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While your application is underway, avoid making large purchases on your credit card or any other abnormal financial activity that lenders can use to relinquish your approval. This is among the most common mistakes among first-time homebuyers, for their eagerness to get their own living space makes them spend tons on household amenities like furniture and kitchenware, which consequently spikes their debt-to-income ratio.
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Be Aware of your Credit Score</h2>
Most of the time, a buyer’s credit score can either make or break their chances of getting approved for a mortgage. If possible, be updated with your credit score months, or even a year, before applying for a home loan to spare yourself from any unpleasant surprises.<br />
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It also helps to talk to mortgage brokers like <a href="https://vahehayrapetianhomeloans.wordpress.com/2015/06/28/loan-officers-like-vahe-hayrapetian-on-how-to-get-a-good-mortgage-deal/" target="_blank">Vahe Hayrapetian</a>, who can tell you everything you’ll need to know and do if you want to get a better chance at getting your mortgage application approved and bring you a step closer to your dream home.
Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-61301324986522543772015-07-24T12:05:00.000-07:002015-07-24T12:05:00.963-07:00Making the DecisionDeciding to buy a home can be exciting and daunting at the same time. It requires plenty of thought before making the final decision and the capability to take on significant financial responsibility. For most people, purchasing a home is one of the most important purchases they will make in their life. Thus, it is important to stay focused and organized during the whole purchasing process. There are a number of different elements to keep track of, and the process can become overwhelming without proper planning and organization. But with an assistance of a professional broker and real estate agent, obtaining your dream home can be rewarding and a pleasant experience.
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What You Should Do</h2>
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<li>Present your estate agent with any questions.</li>
<li>Make sure to offer decisions and paperwork as early as possible. Doing this can make the process less stressful and allow you to focus on last-minute details that need your attention.</li>
<li>Remain objective as you visit different properties to avoid unwise decisions.</li>
<li>Do plenty of research about mortgages.</li>
<li>Get pre-approved as early as you can.</li>
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What a Real Estate Agent Should Do for You</h3>
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<li>Sorting through available homes to eliminate options that don’t meet your needs and requirements.</li>
<li>Show you properties that have the potential to suit you and your needs.</li>
<li>Guiding you to make a wise purchase.</li>
<li>Works hard to get you the best deal for your ideal home.</li>
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What a Mortgage Broker Should Do for You</h4>
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<li>Help you find a loan that will work best for you, based on your financial situation and long term goals.</li>
<li>Get the loan at the best rate and with the best fees.</li>
<li>Informing you all the important details throughout the process.</li>
<li>Keeping your estate agent aware of loan-related progress while keeping your personal information confidential. Deal points and progress are only to be shared with your agent.</li>
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Trust <a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> and his team to give you the best mortgage at the lowest interest rate. Contact Vahe Hayrapetian today at 818-964-1788.
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<br />Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0tag:blogger.com,1999:blog-8278679835334268412.post-88220211621015150482015-07-17T11:59:00.000-07:002015-07-17T11:59:00.513-07:00The Man You Should Trust Working with the right mortgage broker can make the process of funding for your new home fast and smooth. Vahe Hayrapetian knows what it takes to acquire the dream home you’ve been wanting for so long. He works with individuals to make the dreams of each family become real every day. He has also worked for a large number of different mortgage companies in the past years. Currently, Vahe is a part of Skyline Financial Corporation where he works as a sales manager.
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<h2>
Vahe at Skyline Financial Corporation </h2>
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<a href="http://vahehayrapetian.com/" target="_blank">Vahe Hayrapetian</a> is proud to work with a company like Skyline Financial Corporation that is often recognized as one of the top full-service mortgage banking and brokerage firms in the Southern California region. Skyline values recruiting top real estate industry talents. That’s why Vahe Hayrapetian appreciates to work with like-minded professionals.
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Skyline Financial Corporation aims to process loans with a more streamlined process to make it easier for both potential homeowners and the professionals navigating the lending process. The company does the work with dedication to meet and exceed the client’s expectations. They do this with respectful treatment to their clients, top-of-the-line service, and valuable information.
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If you have already found the house of your dreams, you can count on Vahe Hayrapetian to help you find the mortgage you are qualified for and purchase the property in no time. Vahe Hayrapetian is also an active philanthropist who cares deeply for the Children Now organization.
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<br />Vivianhttp://www.blogger.com/profile/01698115830952789630noreply@blogger.com0